adjoint administratif

Banque Nationale du Canada

There were no typical work days in the Mortgage business.  Each day was different and you need to be able to perform the tasks of the day.

Some of the duties with my position are any of the items listed below: 

•	Work with home buyers providing with the education, answers, and finances to purchase their new home
•	Provided all Loan Programs: Conventional, FHA, VA, USDA, IL & IA Bond Programs
•	Train all of the new realtors in Mortgage Financing for the QC Realtor Association 
•	Attended XINNEX Mortgage Academy of Excellence – 400 hours of training (While at Cherry Creek).

Since this was very similar to previous job positions, I had already been trained and prepared for my "typical" day at work. However when you work with Mortgage loans you continue to learn everyday.  Each day was different and that make the job interesting.  The normal day for me would consist any of the above items. 

The most enjoyable part of this job was assisting home buyers achieve their goals and working with them to make sure that buying there new home was as smooth as possible.

Despite my short internship of four months, my experience at NBOC was one of the most beneficial to me and the future of my career. I was assigned tasks and given guidance while at the same time allowed autonomy in my approach. It meant so much to me that an intern could be trusted to generate ideas and come up with my own solutions. By far, my favorite assignment was to redesign their attendance tracking method. I was able to play around with Excel and use my own discretion to create a functional attendance tracking record that the company would end up using even after I was gone. I was able to support NBOC in the on-boarding process for a few new hires and I took what I learned from that experience with me to my current job as an HR Assistant at Western Connecticut State University. I was able to learn about compliance laws, common HR forms, archiving, and more. Management was always there to answer my questions and they weren't afraid to trust me with important assignments. My co-workers were extremely helpful and welcoming, which was an ongoing theme in the company culture. My internship in the summer of 2013 was so amazing that I went back for the summer of 2014 as well.

My current departement requires that you stay a minimum 18 months for an entry level position which is very long. I was told that this requirement was not in place for the director positions but was not able to verify this information. I wish they would fix what is not working in that department and let people evolve if it's not working for them. Otherwise the bank in itself is a great place to work. They have good benefits and great culture. I wish they would let you choose the location where you can come in the office like If you don't live on the island or live further from the downtown  office you could chose to go a closer location. I cannot speak on Job life balance as I was unable to make a request to my current manager.
My previous department, the managers were nice, flexible and you could have an honest discussion with them and things would evolve for the better. Because I had a good experience in my first position, I am able to give the bank a second chance. I see that the bank as an employer is not entirely at fault in this matter.

The job pays very well, the environment is very friendly and the benefits are amazing. Upper management are very understanding when it comes to taking time off. However, since you have to deal with high risk customers, it can be really unpleasant and stressful. People will hang up on you and sometime cuss you out. It’s delicate job, sometimes you have to deal with people who are in really bad situation. Since covid people experience more difficulty with paying their mortgage and other loans. Workload can be very high at times, you are monitored all the time. The job can be stressful since you are evaluated on you ability to take payment agreement. There’s a ranking systems based on your performance available to everyone and you can feel the pressure from higher management. The hours are not flexible. 

No day is ever the same & there is no limit to what you can accomplish. Being agile through changes and trusting yourself to fail forward is key. The people I work with are incredible. They challenge me, hold me up, have my back and give me a kick start when I need it! The pace of change and volume of work is a lot - expectations are high but the recognition & reward are super impactful - and with the team collaboration & approach, the accomplishments are game changing. Very proud to work at CWB. #teamteal

We are 100 % commission, with a recoverable draw after the first 30 days.  Our compensation was based on our total closed loan volume for the month, with quarterly bonuses.  Since our Overland Park division was a brand new office in the Kansas City area, we had to adjust to the operations turn times, based on capacity and volume. I managed the loan process, from point of sale to closing. I enjoyed being able to assist my clients in finding the right loan program that met their specific financial needs. This would include informing each customer of the benefits the government insured VA loans provided and reviewed the current qualifications for obtaining a VA mortgage.

Good benefits overall
Self-serving senior management team, short term planning to attain personal accomplishment in individual career development- strategic plans are one-dimensional tactical business plans with no accountability to deliver on outcomes
Efficiency drivers without improving the employee experience
Not a diverse/inclusive population although becoming cognizant of this due to media implications and societal influences
Narrow minded vision
Great culture, needs to be driven to all levels of management and that the values are embedded at all levels.

BNC National Bank in Stanley, North Dakota is currently growing everyday because of the large oil boom that is expanding in the area. We retained customer privacy while effectively handling high-dollar transactions daily. I maintained large amounts of work in a high pressure environment, which taught me to work fast and accurately. This position was very busy, but very enjoyable. The most challenging part was the management was very unorganized.

1. A typical day at work: Answering inbound calls, helping customers with their questions or issues.

2. What you believe you learned: Multi-tasking 

3. Management: Some are excellent and great people and some with want you to leave the job

4. Workplace culture: Good place in general, I met a lot of good people there

5. The hardest part of the job: There is always a 5% of calls that are not easy. Keep calm and take the next call like if it's a new day. 

6. The most enjoyable part of the job: Definitely the colleagues and advantages

Building exceptional business relationships and proposing strategies to optimize financial situation of clients Complying with bank and industry codes of conduct, and with securities laws and regulations, minimizing risks to the bank Exceeded my targets in Lending and Investments by creating opportunities that resulted in  excellent business relationships. Handling transactions with precision and utmost ethical standards involving Mutual Funds, Opti-Market GICs and other managed products  for clients from diverse cultural and socioeconomic

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